{"id":9,"date":"2026-09-12T02:58:57","date_gmt":"2026-09-12T02:58:57","guid":{"rendered":"https:\/\/rickycortes.com\/?page_id=9"},"modified":"2026-09-12T02:59:10","modified_gmt":"2026-09-12T02:59:10","slug":"land1","status":"publish","type":"page","link":"https:\/\/rickycortes.com\/?page_id=9","title":{"rendered":"land1"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9\" class=\"elementor elementor-9\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bc393a e-con e-atomic-element e-flexbox-base e-54c6cba \" data-id=\"7bc393a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7bc393a\">\n    \t\t<div class=\"elementor-element elementor-element-f308077 elementor-widget elementor-widget-html\" data-id=\"f308077\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<link 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1fr;gap:12px}\n.gq-fine{font-size:11px;color:#5b6573;margin-top:10px}\n.gq-ok{display:none;margin-top:14px;padding:12px;border-radius:8px;background:#e8f5e9;color:#1b5e20;font-weight:600}\n.gq-foot{background:#071320;color:#b7c0cb;padding:28px 0;font-size:13px}\n.gq-foot .gq-wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}\n.gq-foot strong{color:#fff}\n@media(max-width:860px){\n.gq-stats .gq-wrap,.gq-step-grid,.gq-benefits,.gq-progs,.gq-qual,.gq-row{grid-template-columns:1fr}\n.gq-phone{display:none}\n.gq-hero{min-height:70vh}\n}\n<\/style>\n\n<div class=\"gq\">\n  <div class=\"gq-top\">\n    <div class=\"gq-wrap gq-nav\">\n      <img decoding=\"async\" src=\"https:\/\/rickycortes.com\/wp-content\/uploads\/2026\/09\/logofooter.png\" alt=\"Gold Quest Group\" \/>\n      <div>\n        <a class=\"gq-phone\" href=\"tel:7136216458\">713-621-6458<\/a>\n        <a class=\"gq-cta\" href=\"#gq-qualify\">See if you qualify<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"gq-hero\">\n    <img decoding=\"async\" alt=\"Texas home\" src=\"https:\/\/images.unsplash.com\/photo-1564013799919-ab600027ffc6?auto=format&fit=crop&w=1800&q=80\" \/>\n    <div class=\"gq-wrap gq-hero-copy\">\n      <div class=\"gq-eye\">Texas home buyer programs \u00b7 Houston lender<\/div>\n      <h1>All Texans deserve a place to call home.<\/h1>\n      <p class=\"gq-lead\">Find out if you qualify for a home buyer grant in 4 easy steps. Down payment assistance and mortgage tax credits can help you purchase a home anywhere in Texas.<\/p>\n      <div class=\"gq-btns\">\n        <a class=\"gq-btn gq-gold\" href=\"#gq-qualify\">See if you qualify<\/a>\n        <a class=\"gq-btn gq-ghost\" href=\"#gq-how\">Find out how it works<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"gq-stats\">\n    <div class=\"gq-wrap\">\n      <div><b>Up to 5%<\/b><span>Down payment assistance<\/span><\/div>\n      <div><b>620<\/b><span>Minimum credit (gov\u2019t loans)<\/span><\/div>\n      <div><b>15%<\/b><span>MCC tax credit on interest<\/span><\/div>\n      <div><b>30-yr<\/b><span>Fixed-rate first mortgage<\/span><\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"gq-sec\">\n    <div class=\"gq-wrap gq-benefits\">\n      <div>\n        <h2>Do you qualify for help buying a home?<\/h2>\n        <p class=\"gq-sub\">Gold Quest Group helps Texas buyers with fixed-rate mortgage loans, down payment assistance grants, and mortgage interest tax credits \u2014 through TSAHC\u2019s statewide programs.<\/p>\n        <div class=\"gq-card\"><h3>Down payment assistance<\/h3><p>Grant (no repayment after six months on eligible gov\u2019t loans) or a 3-year deferred forgivable second lien. Choose 2%\u20135% of the loan amount.<\/p><\/div>\n        <div class=\"gq-card\"><h3>Mortgage Credit Certificate<\/h3><p>First-time buyers can stack a 15% federal tax credit on mortgage interest \u2014 dollar-for-dollar off taxes, every year you live in the home.<\/p><\/div>\n        <div class=\"gq-card\"><h3>Not just first-time buyers<\/h3><p>DPA is open to first-time and repeat buyers who meet income and credit rules. MCC usually needs first-time status (or veteran \/ targeted area).<\/p><\/div>\n      <\/div>\n      <img decoding=\"async\" class=\"gq-photo\" alt=\"Homeowners with keys\" src=\"https:\/\/images.unsplash.com\/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1000&q=80\" \/>\n    <\/div>\n  <\/div>\n\n  <div class=\"gq-sec gq-steps\" id=\"gq-how\">\n    <div class=\"gq-wrap\">\n      <h2>4 easy steps<\/h2>\n      <p class=\"gq-sub\">Same questions TSAHC uses. Then Gold Quest runs the loan.<\/p>\n      <div class=\"gq-step-grid\">\n        <div class=\"gq-step\"><div class=\"gq-num\">1<\/div><h3>Job title<\/h3><p>Heroes program: teachers, fire, EMS, police, corrections, veterans. Everyone else still has Home Sweet Texas.<\/p><\/div>\n        <div class=\"gq-step\"><div class=\"gq-num\">2<\/div><h3>First-time status<\/h3><p>Owned a home in the last 3 years? You can still get DPA. MCC usually needs first-time, veteran, or targeted area.<\/p><\/div>\n        <div class=\"gq-step\"><div class=\"gq-num\">3<\/div><h3>Household<\/h3><p>County + household size set the income cap. Houston metro Home Sweet Texas is about $156,000 for 2026.<\/p><\/div>\n        <div class=\"gq-step\"><div class=\"gq-num\">4<\/div><h3>Income check<\/h3><p>We compare household income to TSAHC limits, then lock a 30-year fixed with DPA layered on.<\/p><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"gq-sec\">\n    <div class=\"gq-wrap\">\n      <h2>Programs for Texas buyers<\/h2>\n      <p class=\"gq-sub\">Two TSAHC lanes. Gold Quest originates both.<\/p>\n      <div class=\"gq-progs\">\n        <div class=\"gq-prog\">\n          <img decoding=\"async\" alt=\"Texas brick home\" src=\"https:\/\/images.unsplash.com\/photo-1600596542815-ffad4c1539a9?auto=format&fit=crop&w=1200&q=80\" \/>\n          <h3>Homes for Texas Heroes<\/h3>\n          <p>Teachers, firefighters, EMS, police, corrections officers, and veterans. Higher income limits.<\/p>\n        <\/div>\n        <div class=\"gq-prog\">\n          <img decoding=\"async\" alt=\"Living room\" src=\"https:\/\/images.unsplash.com\/photo-1600210492486-724fe5c67fb0?auto=format&fit=crop&w=1200&q=80\" \/>\n          <h3>Home Sweet Texas<\/h3>\n          <p>Low-to-moderate income buyers of any profession. Same DPA structure. Statewide.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"gq-sec gq-vids\">\n    <div class=\"gq-wrap\">\n      <h2>How it works<\/h2>\n      <p class=\"gq-sub\">One explainer. Then talk to Gold Quest.<\/p>\n      <div class=\"gq-vid\">\n        <iframe src=\"https:\/\/www.youtube.com\/embed\/6y9TL-pMYT4\" title=\"How Texas home buyer assistance works\" allowfullscreen><\/iframe>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"gq-sec\" id=\"gq-qualify\">\n    <div class=\"gq-wrap gq-qual\">\n      <div>\n        <h2>See if you qualify<\/h2>\n        <p class=\"gq-sub\">Quick screen. Not a credit pull. A Gold Quest loan officer follows up.<\/p>\n        <ul class=\"gq-sub\" style=\"padding-left:18px\">\n          <li>Primary residence in Texas<\/li>\n          <li>Credit as low as 620 (640 conventional HFA)<\/li>\n          <li>Homebuyer education before closing<\/li>\n          <li>Income within county limits<\/li>\n        <\/ul>\n        <p><strong>Call Houston:<\/strong> <a href=\"tel:7136216458\">713-621-6458<\/a><\/p>\n      <\/div>\n      <form onsubmit=\"this.querySelector('.gq-ok').style.display='block'; return false;\">\n        <label>Full name<\/label>\n        <input name=\"name\" required placeholder=\"Your name\" \/>\n        <div class=\"gq-row\">\n          <div><label>Phone<\/label><input name=\"phone\" required placeholder=\"713-621-6458\" \/><\/div>\n          <div><label>County<\/label><input name=\"county\" required placeholder=\"Harris\" \/><\/div>\n        <\/div>\n        <label>First-time buyer? (no home owned in last 3 years)<\/label>\n        <select name=\"firsttime\" required>\n          <option value=\"\">Select<\/option>\n          <option>Yes<\/option>\n          <option>No<\/option>\n        <\/select>\n        <label>Hero profession?<\/label>\n        <select name=\"hero\">\n          <option>No \/ other<\/option>\n          <option>Teacher \/ educator<\/option>\n          <option>Police \/ corrections<\/option>\n          <option>Firefighter \/ EMS<\/option>\n          <option>Veteran \/ active military<\/option>\n        <\/select>\n        <label>Estimated household income<\/label>\n        <select name=\"income\" required>\n          <option value=\"\">Select<\/option>\n          <option>Under $80,000<\/option>\n          <option>$80,000 \u2013 $120,000<\/option>\n          <option>$120,000 \u2013 $156,000<\/option>\n          <option>$156,000 \u2013 $177,000<\/option>\n          <option>Over $177,000<\/option>\n        <\/select>\n        <label>Credit range<\/label>\n        <select name=\"credit\">\n          <option>620+<\/option>\n          <option>640+<\/option>\n          <option>Not sure<\/option>\n          <option>Under 620<\/option>\n        <\/select>\n        <button class=\"gq-btn gq-gold\" style=\"width:100%;margin-top:18px\" type=\"submit\">See if I qualify<\/button>\n        <p class=\"gq-fine\">Programs administered by Texas State Affordable Housing Corporation and originated through participating lenders. Assistance type, amount, and eligibility subject to TSAHC guidelines. This page is marketing \u2014 not a commitment to lend. NMLS #212990. Equal Housing Lender.<\/p>\n        <div class=\"gq-ok\">Got it. A Gold Quest loan officer will contact you.<\/div>\n      <\/form>\n    <\/div>\n  <\/div>\n\n  <div class=\"gq-foot\">\n    <div class=\"gq-wrap\">\n      <div><strong>Gold Quest Group<\/strong><br>Houston mortgage lender since 2001<br>713-621-6458 \u00b7 goldquestgroup.com<\/div>\n      <div>Down payment assistance and MCCs are TSAHC products.<br>Gold Quest helps eligible Texas buyers originate the loan.<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>713-621-6458 See if you qualify Texas home buyer programs \u00b7 Houston lender All Texans deserve a place to call home. Find out if you qualify for a home buyer grant in 4 easy steps. Down payment assistance and mortgage tax credits can help you purchase a home anywhere in Texas. See if you qualify Find [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-9","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/rickycortes.com\/index.php?rest_route=\/wp\/v2\/pages\/9","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rickycortes.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rickycortes.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rickycortes.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rickycortes.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9"}],"version-history":[{"count":4,"href":"https:\/\/rickycortes.com\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions"}],"predecessor-version":[{"id":13,"href":"https:\/\/rickycortes.com\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions\/13"}],"wp:attachment":[{"href":"https:\/\/rickycortes.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}